BlastPoint's Credit Union Scorecard

MILESTONES

Charter #5144 · ME

<100M

2508 CUs in <100M nationally 9 in ME

MILESTONES has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Loan-to-Member Ratio (LMR): Top 3.6% in tier
+ Average Member Relationship (AMR): Top 4.6% in tier

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 5.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	1,817 +1.3% YoY+0.6% QoQ	-859	2,676 +1.6% YoY	16,050 +1.9% YoY	33,913 +5.7% YoY	48%
Assets	$34.7M +2.0% YoY-1.6% QoQ	+$4.6M	$30.2M +1.3% YoY	$279.7M +5.3% YoY	$578.3M +9.0% YoY	64%
Loans	$23.3M +6.1% YoY-0.0% QoQ	+$8.0M	$15.3M -2.0% YoY	$190.6M +4.6% YoY	$402.4M +8.7% YoY	76%
Deposits	$30.8M +1.9% YoY-1.9% QoQ	+$5.0M	$25.8M +0.7% YoY	$245.5M +5.2% YoY	$494.3M +9.1% YoY	66%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -77.0% YoY-61.7% QoQ	+0.0%	0.1% -77.6% YoY	0.8% +5.6% YoY	0.4% -39.2% YoY	29%
NIM	3.9% +3.9% YoY+5.1% QoQ	-0.1%	4.0% +4.0% YoY	3.5% +1.0% YoY	3.8% +4.1% YoY	53%
Efficiency Ratio	87.8% +8.5% YoY+2.8% QoQ	-2.9%	90.6% +6.5% YoY	77.8% -1.1% YoY	84.6% +2.8% YoY	65%
Delinquency Rate	0.8% +111.7% YoY+69.6% QoQ	-0.7	1.5% +3.8% YoY	0.7% +13.3% YoY	1.2% +3.4% YoY	57%
Loan To Share	75.5% +4.1% YoY+1.9% QoQ	+17.0%	58.5% -3.0% YoY	72.9% -1.6% YoY	65.6% -1.4% YoY	75%
AMR	$29,776 +2.3% YoY-1.6% QoQ	+$15K	$14,884 -1.7% YoY	$25,927 +3.7% YoY	$19,920 +1.6% YoY	Top 4.6% in tier
CD Concentration	32.1% +5.9% YoY+0.8% QoQ	+7.8%	24.3%	25.4%	19.8%	50%
Indirect Auto %	0.6% +75.6% QoQ	-13.2%	13.8%	16.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $12,808

Peer Median: $4,923

#92 of 2508 Top 3.6% in <100M tier

116

Average Member Relationship (AMR)

engagement

Value: $29,776

Peer Median: $13,926

#116 of 2508 Top 4.6% in <100M tier

401

Fee Income Per Member

profitability

Value: $134.26

Peer Median: $60.42

#401 of 2508 Top 15.9% in <100M tier

429

Loan Growth Rate

growth

Value: 6.14%

Peer Median: -2.36%

#429 of 2508 Top 17.1% in <100M tier

526

Member Growth Rate

growth

Value: 1.34%

Peer Median: -1.37%

#526 of 2508 Top 20.9% in <100M tier

606

Total Loans

balance_sheet

Value: $23.27M

Peer Median: $9.48M

#606 of 2508 Top 24.1% in <100M tier

618

Loan-to-Share Ratio

balance_sheet

Value: 75.48%

Peer Median: 58.72%

#618 of 2508 Top 24.6% in <100M tier

Top Weaknesses (4 metrics)

2367

First Mortgage Concentration (%)

balance_sheet

Value: 56.31%

Peer Median: 3.66%

#2367 of 2508 Bottom 5.7% in <100M tier

2156

Indirect Auto Concentration (%)

balance_sheet

Value: 0.64%

Peer Median: 0.00%

#2156 of 2508 Bottom 14.1% in <100M tier

2134

Share Certificate Concentration (%)

balance_sheet

Value: 32.06%

Peer Median: 12.45%

#2134 of 2508 Bottom 15.0% in <100M tier

2107

Members Per Employee (MPE)

engagement

Value: 201.889

Peer Median: 333.750

#2107 of 2508 Bottom 16.0% in <100M tier